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Best Local Car Insurance Agencies in Temecula

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Danmar Insurance logo
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License Verified:

License: 0D36873

California Department Of Insurance

Danmar Insurance

1 Ridgegate, Temecula, CA 92590
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  • Bundling Option

Business Description

Danmar Insurance offers car insurance to clients based in Temecula. It has been providing its services to the whole Southern California for more than 30 years. The company represents more than 40 insurance agencies, including 25 top A-rated companies. Its team of agents is committed to ensuring that clients gain confidence in the agency by making the process of acquiring an insurance plan smooth and easy. The company also offers renters' and commercial insurance products.

License Verified:

License: 0D36873

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fadaie Insurance Services Inc logo
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License Verified:

License: 0G61081

California Department Of Insurance

Fadaie Insurance Services Inc

27290 Madison Avenue, Temecula, CA 92590
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Fadaie Insurance Services Inc is a car insurance agency that has been serving clients in Temecula since 2006. The company's agents have 80 years of combined experience in helping individuals and businesses find the best-suited insurance policy for them. Clients can choose from 20 different insurance carriers, which allows them to shop based on their budget without sacrificing coverage. Fadaie Insurance Services also offers car insurance bundled with a home or specialty policy.

License Verified:

License: 0G61081

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (167)
Yelp
4.5 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hawkguard Insurance Services logo
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License Verified:

License: 0K51561

California Department Of Insurance

Hawkguard Insurance Services

28545 Old Town Front Street, Temecula, CA 92590
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Business Description

Hawkguard Insurance Services provides individuals in Temecula with car insurance policies. Its coverage range from bodily injury liability, underinsured and uninsured motorist, and roadside assistance to medical expenses. Its team has more than 33 years of combined experience in the industry. The agency works with multiple companies to give their clients tailored options. It can also assist with insurance for boats, motorcycles, floods, earthquakes, and condos. Some of their commercial insurance includes coverage for general liability, workers' compensation, and employment practices liability.

License Verified:

License: 0K51561

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (63)
Yelp
4.5 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
HWP - Carlsbad logo
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License Verified:

License: 0410407

California Department Of Insurance

HWP - Carlsbad

2230 Faraday Avenue, Carlsbad, CA 92008
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  • Multiple Carriers

Business Description

HWP - Carlsbad has been offering personal and business insurance solutions in Temecula since 1947. An independent insurance agency, the company builds insurance proposals with carriers such as Progressive, Mercury Insurance, and Travelers. It provides coverage options for car and vehicle owners, including the state-required property damage and bodily injury liability. Optional coverages for auto insurance policies include medical payments, rental reimbursement, collisions, and uninsured motorists. HWP - Carlsbad also carries commercial auto, commercial property, and cyber insurance plans.

License Verified:

License: 0410407

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Julie Ngo logo
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License Verified:

License: 0D85939

California Department Of Insurance

Julie Ngo

41881 5th Street, Temecula, CA 92590
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  • Bundling Option

Business Description

Julie Ngo is a State Farm insurance agent serving Temecula and nearby areas. She provides auto insurance with different kinds of protection, such as comprehensive and collision coverage, liability coverage, and uninsured or underinsured motor vehicle storage. Julie and her team have a collective 50 years of industry experience. They reach out to residential or commercial clients to help them manage everyday risks, rebound from unforeseen events, and achieve their set goals. She and her team actively support charitable activities within the community.

License Verified:

License: 0D85939

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (23)
Yelp
4.5 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Karazin Agency LLC logo
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License Verified:

License: 0E55673

California Department Of Insurance

Karazin Agency LLC

28581 Old Town Front Street, Temecula, CA 92590
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  • Boats
  • Motorcyle & ATV

Business Description

Karazin Agency, LLC, is a full-service insurance and risk management company that serves residential and commercial clients in Temecula and nearby areas. It offers a variety of insurance products and services, such as auto, vintage car, boat and watercraft, motorcycle, camper, and motor home insurance. Additionally, its agents can craft policies for off-road and other motorsport vehicles. The company has access to various lines of insurance brands and carriers, including Mercury, Nationwide, Progressive, Hagerty, Foremost, and Kemper.

License Verified:

License: 0E55673

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Keck Insurance Agency logo
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License Verified:

License: 0G33279

California Department Of Insurance

Keck Insurance Agency

29379 Rancho California Road, Temecula, CA 92591
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  • Multiple Carriers

Business Description

Keck Insurance Agency is an independent insurance firm that has been serving clients in Temecula since 1989. The family-owned agency offers a variety of insurance products, including auto insurance. Its auto insurance policy has liability coverage to cover injuries other people suffer due to the client's car. Its comprehensive coverage covers losses in case the car is damaged by theft or fire. Keck Insurance Agency has a strong focus on building lasting relationships with its clients.

License Verified:

License: 0G33279

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (10)
Yelp
4.0 / 5 (10)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
LPK Insurance Services Inc. logo
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License Verified:

License: 0646024

California Department of Insurance

LPK Insurance Services Inc.

28936 Old Town Front Street Suite 103, Temecula, CA 92590
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  • Multiple Carriers
  • Home Insurance
  • Auto Insurance
  • Business Insurance

Business Description

LPK Insurance Services Inc. is a family-owned independent agency that serves clients in Temecula and the surrounding areas. It offers auto insurance policies that protect clients from financial loss in the event of an accident, disaster, or theft. Such policies also cover damages caused by uninsured drivers and medical expenses. The agency provides insurance products for homes, businesses, nonprofits, machine shops, and motorcycles from multiple insurance carriers. LPK Insurance Services has more than 35 years of industry experience.

License Verified:

License: 0646024

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
S Sanders Company Insurance - Temecula logo
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License Verified:

License: 0249077

California Department Of Insurance

S Sanders Company Insurance - Temecula

27713 Jefferson Avenue, Temecula, CA 92590
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  • Multiple Carriers

Business Description

S Sanders Company Insurance is an insurance agency that provides various insurance coverage in Temecula. Some of the insurance products they offer are personal, commercial, and life and health. Under personal insurance, one can avail of auto, renters, homeowners, and motorcycle coverage. Their commercial insurance offerings, meanwhile, can cover bonds, property, general liability, business, and workers' compensation. S Sanders Company Insurance assures that their insurance agents will work closely with clients every step of the way.

License Verified:

License: 0249077

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Strachota Insurance Agency, Inc. - Temecula logo
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License Verified:

License: 0249673

California Department Of Insurance

Strachota Insurance Agency, Inc. - Temecula

27710 Jefferson Avenue, Temecula, CA 92590
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  • Multiple Carriers

Business Description

Strachota Insurance Agency, Inc. is a Temecula-based independent insurance agency that offers a range of personal insurance policies like auto insurance. The agency aims to provide its clients with the right auto insurance that will protect them and their vehicles from any financial repercussions. It offers consultation to its potential clients, so they can get an estimate of various auto insurance policies from its partner providers. Established in 1931, Strachota Insurance Agency serves the whole of California.

License Verified:

License: 0249673

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (98)
Yelp
3.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Temecula Insurance Services logo
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License Verified:

License: 0C04828

California Department Of Insurance

Temecula Insurance Services

41923 2nd Street, Temecula, CA 92590
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Temecula Insurance Services has been providing insurance coverage since 1984. Founder Brad Salute has extensive knowledge in the field of insurance and connections with established carriers. He offers liability coverage, which protects clients in case they cause injuries or damage to others, as well as no-fault coverage, which reimburses the medical expenses of policyholders in car accidents regardless of who was at fault. The Temecula-based independent agency has also comprehensive car insurance.

License Verified:

License: 0C04828

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
5.0 / 5 (5)
Google
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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